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Bank Of Buffalo

IDRSSD: 825940
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #825940 2025-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.17% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.12%.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +4
62
Sub-score

Liquidity is stable: brokered 20.0%, loans/deposits 84.1%, cash 2.2% of assets.

Cash / Assets
2.17%
Loans / Deposits
84.14%
Brokered %
19.98%

Watch Items

  • infoCash / Assets below 3% — Cash 2.17% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +1
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
82
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 9.2%, NCO YTD 0.01%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.01%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
1.12%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.12%.

Reserves

RiskQoQ -5
36
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 69.6%, true coverage 69.6%.

ALLL / Loans
0.87%
Coverage
69.6%
True Loss Coverage
69.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:24:51 UTC